Home Care Franchisers and Franchisees


The aging population and the desire for individuals to stay in their homes while being cared for has helped to give rise to the home health care franchise industry over the last two decades. According to industry research firm FRANdata, in the last 15 years the number of home health care franchise brands has gone from 13 companies in 300 locations to 56 operating in 6,000 locations. While home health care franchises have an opportunity to make a real difference in communities, there are also challenges that must be properly addressed for continued success and expansion in this growing market. Among these is the ability to meet insurance requirements through continuity of coverage and strong risk management practices, which enable franchisors and their franchisees to manage their exposure effectively and efficiently and maintain brand integrity.

Manchester Specialty Programs specializes in offering “end-to-end” property and casualty insurance solutions to the home health care industry. We partner with “A”, “A+” and “A++” rated carriers as dedicated as we are to providing a comprehensive “all-lines” national program customized for the home health care industry. Our program includes the following insurance products:

  • Professional Liability
  • General Liability
  • Non-Owned and Hired Auto/Owned Auto
  • Abuse/Molestation Coverage
  • Third Party Crime
  • Cyber Liability & HIPAA Liability
  • Property/Package/Inland Marine Coverage
  • Excess Liability
  • Coverage for Employed Physicians
  • Directors and Officers Liability
  • Employment Practices Liability
  • Regulatory Audit (RAC) Insurance
  • Workers’ Compensation

The Franchise Industry At A Glance

  • Companion Care
  • Skilled Home Care
  • Alzheimer’s and Dementia Care
  • Personal Care
  • Hospice at Home

Coverages Offered

Management Professional Liability

Professional Liability Insurance (E&O)

General Liability

Hired & Non-Owned Auto Insurance Coverage




Crime Coverage

Cyber Liability

Commercial Property

Property Damage

Commercial Inland Marine

Directors And Officers Liability

Workers Compensation

Binging Authority


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